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| Provider | Service type | Compensation |
|---|---|---|
BLACK & PINCKARD LLC1 year Service code 10 · EIN 26-0079381 | Accounting | $10,500 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,825 |
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $84,881 | $91,439-7.2% | $135,974-37.6% | $71,511+18.7% |
| Participation rate | 88.8% | 75.7%+13.1pp | 81.9%+6.8pp | 67.9%+20.8pp |
| Annual return | 13.88% | 29.90%-16.0pp | 68.30%-54.4pp | 28.86%-15.0pp |
| Employer contribution / active EE | $2,339 | $3,705-36.9% | $4,859-51.9% | $2,589-9.6% |
| Participant deferral / active EE | $8,319 | $7,093+17.3% | $7,760+7.2% | $4,291+93.9% |
| Admin fee / account holder | $70 | $1,267-94.5% | $10,767-99.3% | $1,588-95.6% |